Financial Planning and Advice

we make money simple

Our Process

Financial Planning is the ongoing process of aligning your financial resources with your life. It is about turning pounds and pence into a life well lived. It is also the process we use to help you make the most of your money and determine what the best advice is for you.

Close Up Of Smiling Couple Signing Financial Document At Home

1. Discovery Meeting

It starts with us getting to know you, what you want to achieve and what your current financial position looks like. We can then start to put the foundations in place to create an action plan to help you achieve your goals. Our Discovery Meetings are provided at our cost and come with no obligation to proceed; at the end of the meeting, we will be able to give you a quotation of the costs of our services then it is up to you to decide whether they are right for you.

2. Research and Analysis

We will go away and dig a bit deeper into your financial circumstances to help us ascertain the best course of action for you. We will look at things like your existing pension and investment arrangements to assess whether they are appropriate and how they can be improved upon. We are passionately Independent, which means we work solely for the benefit of you as our client and have no ties to any specific provider of financial products.

3. Creating your Financial Plan

Once we have built an accurate picture of your circumstances and needs, we can then begin to create your Financial Plan. Your Financial Plan will act as a roadmap to your future, detailing the actions that we will take to help you use your money to live life on your terms. Your Financial Plan will help us make the important decisions that are involved with manging your money, such as how and where we will invest your funds and how much you will need to save in order to live comfortably in retirement.  It will also help us determine the best way to account for the impact of things like taxation and inflation. When we create your financial plan, we will also model the impacts of certain events on your financial future. This could be to help you prepare for worrying events such as the impacts of a financial crisis or the need to pay for long term care in old age or it could be something more fun such as assessing the impact of gifting money to family or retiring early to travel the world. This helps us ensure that your Financial Plan is robust and give you the peace of mind that your finances are futureproof.


4. Present, Agree and Implement

Once we have created your Financial Plan, we will present it to you in a way that is clear, simple and jargon free. If there’s anything you want to change or look at in more detail, we can revisit it and adapt your plan accordingly. Once we have the final agreement, we will handle all the paperwork and other boring bits to get everything in place for you.

5. Monitor and Review

Financial Planning does not stop at creating your Financial Plan, it is an ongoing process. Over the course of your life, it is likely that your plans and circumstances will change and the legislation affecting your personal finances is likely to change as well. Because of this, it is important that we regularly review your financial plans. By doing this, we can ensure that your personal finances stay in robust shape and that you stay on track to make the most of your money.